Wind Damage To Roof Shingles Insurance

Proper roof shingle nailing is what keeps shingles on the roof in a high wind.

Wind damage to roof shingles insurance.

Roofs are very susceptible to wind damage in part because high winds do not hit roofs uniformly. This causes a pressure disparity between the front and back faces of the shingle. It is important to compare the wind coverage when making your shingle selection on a new roof. My home is 34 years old with a shingle roof.

Other wind damage to a roof includes damage caused by falling objects and debris such as tree branches and downed powerlines. When high winds hit a roof shingles can loosen or fall off. The base policy usually provides replacement cost coverage for losses other than wind and hail. If wind speeds are very high even new secure shingles can tear away.

However if shingles are not properly nailed shingles are far more likely to blow off of the roof in even a modest windstorm. It is these areas where the wind can get under and curl the shingles or even rip them off leaving your roof exposed to the elements. If you have roof wind damage your insurance company has a legal obligation to repair or replace the roof whichever costs less. They will want absolute proof that storm damage is the cause of the roof leak to determine this insurance company will send out its own adjuster someone that works for the insurance company.

If the winds that caused the shingle damage were above the manufacturer s wind coverage you ll need to file an insurance claim. Wind damage to roofs your roof is protected by your homeowners insurance but how you re covered depends on your policy. Wind damage can happen to any asphalt shingle roof in severe weather conditions. According to one experienced roofing contractor insurance companies heavily scrutinize claims for roof repair and replacement.

If i put in an insurance claim will they pay for a new roof or just a portion of it. That may sound like a basic idea but it can run into some problems in practice. For a shingle to be wind damaged an uplift force from the wind has to occur. The house needs a new roof.

Check the corners edges and the ridgeline. First your shingles and roofing may have discolored with age. All manufacturers publish a wind warranty on their shingles. Even if the warranty on your roof states it can withstand winds up to 90mph do a visual check for wind damage to the roof with a wind of 50mph or more.

Damage to old roof from winds what will insurance cover.